I don't use the finger nor any vibrators or anything I use my 2 midanddle hands to rub the top of my vag on top of where I urinate is that bad?
I'm 16 by the way!
No actually that is completely normal and natural. The other way to try is to keep it really moist and wet, using your own saliva works well and use your method or rub in circles works good too. Also, try putting one leg up on a bed or dresser to really open up your vagina and masturbate this way, this is fun too.
Where is the blood and fluid coming from? Lots of fluid? You are not rough are you? It could be your hymen that broke which would be normal and will eventually stop.